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Santander Bank, N.A.
Wilmington, DE·FDIC Cert #29950·Charter: OCC·Est. 19070101.0·HC: BANCO SANTANDER SA
Total Assets
$104.1B
Q4 2025
Return on Assets
1.36%
+0.22%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.71%
Peer avg: 52.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%+0.22
ROE
10.46%+1.55
Efficiency
59.71%-1.73
Equity/Assets
0.00%+0.00
NPL Ratio
1.79%-0.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
64.56%-0.59
Charge-offs
0.80%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.7 | 0.6 | 0.5 | 1.0 | 1.1 | 1.4 |
| ROE | 6.3 | 6.6 | 5.6 | 5.2 | 4.3 | 7.8 | 8.9 | 10.5 |
| Efficiency | 78.3 | 76.0 | 79.0 | 79.3 | 72.5 | 64.1 | 61.4 | 59.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.5 | 1.5 | 1.7 | 1.9 | 2.1 | 2.1 | 2.0 | 1.8 |
| Charge-offs | 1.1 | 1.0 | 0.9 | 0.9 | 0.9 | 0.8 | 0.8 | 0.8 |
| Loan/Deposit | 70.7 | 71.2 | 67.7 | 65.1 | 61.6 | 61.1 | 65.1 | 64.6 |
Balance Sheet
Total Assets$104.1B
Total Deposits$82.1B
Total Loans$53.0B
Total Equity$14.2B
Profitability
ROA1.36%
ROE10.46%
Efficiency Ratio59.71%
Net Income$1.4B
Risk & Asset Quality
NPL Ratio1.79%
Charge-off Rate0.80%
Loan/Deposit64.56%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans